Laura Adams

1 month ago | quickanddirtytips.com | Laura Adams

No matter how frugal or good you are at sticking to a budget, no one is immune from impulse spending from time to time. But the more you give in, the more harmful impulse purchases can be to your finances. Spending more than you can afford or buying things you don’t need can become a bad habit that’s difficult to stop. Overspending is a common barrier to achieving essential financial goals, like investing at least 10% of your gross income for retirement and building a healthy emergency fund.

Jan 22, 2025 | valuewalk.com | Laura Adams |Sam Alberti |Dave Kovaleski

Not having a regular paycheck may make getting a loan tricky, depending on the type of loan or lender you work with. However, loan options are available for freelancers, gig workers, and those with less traditional jobs. We’ll break down five of your best loan options. When you’re a freelancer or gig worker, your income can fluctuate and may not be as consistent as a W-2 employee. That doesn’t necessarily mean you can’t afford a loan.

Aug 29, 2024 | valuewalk.com | Brendan Byrne |Laura Adams |Dave Kovaleski

Before making any money moves, take a step back and understand how a drop in interest rates affects your finances. Recent inflation data shows the July 2024 rate dropped to 2.9%, the lowest since March 2021. Due to that positive information and a strong labor market, the Fed is expected to cut interest rates soon. The Fed has two primary goals: keeping prices stable and maintaining a low unemployment rate.

Jul 31, 2024 | valuewalk.com | Laura Adams |James Edwards |Aman Jain |Dave Kovaleski

Understanding the numbers in your personal finances can help you take control and set reasonable short- and long-term goals. Some basic formulas can give you insight into your financial strengths and weaknesses and help you make better money decisions about issues like saving and how much debt to have. In addition, if you apply for a home mortgage, lenders use various ratios to evaluate your financial situation and set interest rates.

Jul 22, 2024 | spirefounders.com | Laura Adams

Washington, D.C. (July 21, 2024) — In an unexpected political move, Senator Joe Manchin of West Virginia has called for President Joe Biden to withdraw from the 2024 presidential race. The announcement, made during an interview on CNBC, has ignited a storm of debate across the political spectrum and could have far-reaching implications for the upcoming election.